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In these times of massive credit card debt and stagnating incomes, filing for bankruptcy has become the only relief for thousands of people. The information in How to File for Bankruptcy is so complete that a person can file virtually on his own, without needing to hire a lawyer. By no means does the book encourage filing for bankruptcy, but it will help anyone in serious financial trouble determine if bankruptcy might be a sensible course to take, and examines what kind is appropriate for different individuals. All of the necessary forms are included, complete with explicit directions. Like all Nolo Press titles, this is a straightforward, no-nonsense book of useful advice and specific guidance, written in clear, easy-to-understand language.
Book Description
If you're feeling overwhelmed by your bank balance, Chapter 7 Bankruptcy can offer welcome relief. It allows you to get rid of most of your debts, and it forces creditors and collection agencies to stop their collection efforts.
For nearly a decade, this friendly, comprehensive guide has helped more than 200,000 people cope with their debts. How to File for Chapter 7 Bankruptcy takes you through the filing process, gives you real-world, practical advice and all the official bankruptcy forms you'll need.
Use How to File for Chapter 7 Bankruptcy to:
*decide if bankruptcy is the right step to take
*determine if you qualify for Chapter 7 bankruptcy
*fill out and file all forms
*cancel the largest amount of debt possible
*identify which debts will survive bankruptcy
*keep the maximum amount of property
*deal with secured debts
*represent yourself in routine bankruptcy hearings
*dismiss your case if you change your mind about filing
*rebuild your credit after bankruptcy
Easy-to-use worksheets and charts help you calculate what you own, how much you'll be able to keep, and figure out if you can retain your home. The book also contains exemptions for every state to ensure that you keep as much property as you can.
This book does not cover business bankruptcies, farm reorganizations or individual repayment plans (Chapter 13). For Chapter 13 bankruptcy, see Nolo's Chapter 13 Bankruptcy: Repay Your Debts.
Customer Reviews:
Great.......2007-07-17
I'm surprised on the great quality. Nice packaging and fast delievery helped allowed me to get right to work. Thank you.
This Could Be The Right Book For you.......2007-06-29
If you are considering personal bankruptcy, will satisfy the new means test or have a steady w-2 income you may want to file bankruptcy under Chapters 7 or 13. If you are considering one of the chapters, this is a great book for you. For businesses or individuals with more substantial assets or income, the appropriate Chapter would be Chapter 11. The book that I like on that subject is Chapter 11 Business Reorganizations: For Business Leaders, Accountants And Lawyers
Very helpful resource.......2007-04-25
This review refers to the 13th edition of the book, which does cover the new bankruptcy law revision of 2006. Please read the editorial and customer reviews as to why this book was so helpful.
The author does a good job explaining how to file your own bankruptcy "pro se" (which means you are your own attorney and responsible for finding the answers to your own legal questions.)
At the time the 13th edition was printed, the author didn't know if any of the state bankruptcy courts would grant an indigent filer relief from the bankruptcy filing fee. This is because there was a difference between the federal agency that created the exemption document and the agency that says such requests can be granted. Apparently, this difference of opinion has since been resolved. In my state, Washington, the judge did grant me exemption from filing the court fee, a savings of over [...].
My bankruptcy was a pretty straightforward chapter 7, even though I had taken out a business license as a sole proprietor. As I had no clients and no business income, I could go ahead and file as an individual.
The author commends the reader for having taken charge of their financial crisis and having made the difficult decision to file for bankruptcy. It would also have been helpful if he'd included a few helpful tips on emotional and mental preparation. For example, people under stress tend to forget commen sense advice like: get enough sleep, exercise, and healthy food. Organize all your financial records in a quiet and neat environment, etc. Write down what you've done and what you need to accomplish. And so forth.
In my case, because I could have been better organized, I ended up paying two times a [...] amendment fee because I forgot to include all creditors on my mailing matrix and other related forms.
(As a side note, many credit card companies own their own credit collections agencies with completely different names. To be on the safe side, list both the original creditor and the "collection agency" that they supposedly "sold" the debt to in your bankruptcy forms. However, when totaling the debt, do not count the same amount twice. On your mailing matrix, include both the orginal creditor and any collection agencies they have sold their debt to. This will cover your [...]. If you list only the collection agency and not the original creditor, you might be responsible for paying off the debt because the orignal creditor wasn't listed in your bankruptcy forms.)
Student loans are usually not discharged but you should go ahead and list them anyway so the judge knows your total debt load.
Most filers choose to hire an attorney. I was one of three people who chose to go "pro se" out of over 30 filers. That really surprised me. My meeting with the trustee lasted less than five minutes.
Just because someone goes with an attorney doesn't mean that attorney will be complete and thorough. I witnessed two attorneys who did not properly prepare their clients for potential questions the trustee asked, all of which are described in this book in a special listing. In my case, the trustee did not ask all the questions listed in the book but I was sure glad the author listed them so I could be prepared in case he did choose to ask them. Did those people get their money's worth? I don't know.
The creditor's meeting is when you can tell the trustee if there have been any changes since you first filed for bankruptcy. Since this meeting is recorded now is the time to tell them. In my case, I reported assets I had failed to list (hobby supplies [...]), assets that had been stolen from my home this month, and a car I no longer owned as it had been auctioned off by a towing company.
The two biggest reasons people file for bankruptcy are medically related and poor credit card usage. Both those reasons fit my profile. I cut up all my credit cards and now use only my debit card, cash, or checks. I now have a financial budget and feel like a load has been lifted off my shoulders.
The only reason I have for repairing my credit rating is if I choose to buy a house. At this time I don't have any plans for doing so. However, for those who do want to improve their credit score, your best bet is to see if your local credit union or bank will give you a secured credit card, which will only allow you to "charge" amounts that you have placed in a special account tied to the card.
The new law states that filers must take a pre and post budget class. Each cost me [...].
If you choose to go "pro se" but hire a typist to prepare your documents, you are still responsible for all the information contained in the forms.
Beware that your filing is public knowledge. I was surprised at the number of predatory lenders that sent me mail immediately after I filed. There was also one attorney who sent me a solicitation letter. You must shred all these letters for your own good.
Most updated Chapter 7 Bankruptcy book.......2007-01-05
This is the most recent Chapter 7 Bankruptcy book from NOLO, published May 2006.
Another one will be published April 2007, ISBN 1413306276.
I trust Nolo books with my eye closed, their legal content is totally updated ! ... I am a big Nolo fan!used many of their books!
Check out The New Bankruptcy - Will it Work for You?
Out-of-date, but still good for background material........2006-01-13
Stephen Elias et al., How to File for Chapter 7 Bankruptcy, Twelfth Edition (Nolo Press, 2005)
Well, I missed the boat on this one. I'd hoped the 2005 12th edition would cover the bankruptcy law changes in some detail, but nope-- this one still covers the old laws. If you're thinking about filing for bankruptcy now, you will likely be better off waiting for Elias' new one, he New Bankruptcy: Will It Work for You? (Nolo, 2006).At this point, it really only has value as an archival document, or something you pick up for background reading while waiting for the new book (after all, not everything in bankruptcy law has changed; you'll still get some valuable info out of this).
The book does an excellent job of explaining why, in general, you don't really need a lawyer to file Chapter 7. Elias etc. go through the forms line-by-line, with copious explanation and recommendations of when you will need a lawyer based on your answers to a number of the questions.
Solid stuff, I just with I'd gotten to it earlier. Now, I'm in the same boat you are-- waiting for the new one (which was supposed to drop Dec. 19, 2005, but oesn't seem to have seen the light of day yet). *** ½
Book Description
Nothing so needs reforming as other people’s habits,” said Mark Twain. Taking this wry observation to heart, renowned author Aubrey Daniels shows readers exactly what steps are required to live a life filled with harmonious relationships, fulfilling connections, and minimal discord and conflict. Using the proven staying power of positive reinforcement, Daniels offers indispensable advice on how to: Establish effective relationships based on mutual respect and shared expectations Keep the lines of communication open—so friends, family, and co-workers always know exactly what is expected of them How to pinpoint and identify the desired behavior you want How to use positive reinforcement to bring about the desired behavior change
Customer Reviews:
Behavior mod at its best.......2006-05-09
Well-written and well-researched, this book has the power to revolutionize human interaction. On my suggested reading list.
Effective and kind!.......2006-05-07
The words positive reinforcement inspire different thoughts in different people. Sadly, some think "weak" or "manipulative." But, properly understood, it is neither.
"The world can be a cruel place" is often used as an excuse for introducing cruelty to children, or using it on animals and employees. When I hear that argument, that's when the words "weak" and "manipulative" spring to my mind.
Daniels' writing is easy to read, and he makes a great case for the practicality, effectiveness and deep reward of using reinforcement for others, as well as embracing it when it is directed at us. He clearly lays out all of the aspects of using it well and carefully, not just randomly "being nice."
Rewarded by Rewards: The Benefits of Behavior Analysis.......2004-08-03
It seems safe to say that the goal of any responsible person in a position of authority, whether that person is a parent, teacher, therapist, or business manager, is to see others be successful, productive, and satisfied with whatever they do. For most people, however, there is a big question mark as to just how we can accomplish these goals.
Other People's Habits provides some of the clearest examples describing how the principles of behavior analysis can be used to achieve these goals for the benefit of everyone. Daniels does a wonderful job differentiating between recognition, reward, and reinforcement, and how each process is likely to affect the actions of another. His Do's and Don'ts for implementing positive reinforcement successfully are extremely clear and helpful (along with having a great deal of empirical support in the research literature, unlike the majority of procedures described in many pop psychology books). Daniels also describes in detail how most individuals who claim to be using behavior analytic principles are, in fact, often misusing these principles with disastrous results. Rather than turning people into disgruntled non-productive individuals, as author Alfie Kohn likes to suggest in his book Punished By Rewards, positive reinforcement is a very effective process to help each person achieve a productive and meaningful life, when used properly.
Readers who are parents may also wish to look at another book, The Power of Positive Parenting by Latham, for the successful application of behavior analytic principles with children. Scholars who are interested in the intrinsic vs. extrinsic motivation debate and how it has played out in the research literature may also wish to pick up a copy of Rewards and Intrinsic Motivation: Resolving the Controversy by Cameron and Pierce.
The Power of Positive Reinforcement.......2004-06-21
This is an exceptionally well-organized and clear book. Superficially, it might seem like "only" a suggestion to compliment others more often. However, what distinguishes it from self-help books that emphasize willpower and attitude is the reliance on the teachings of B.F.Skinner's radical behaviorism.
This is one of the best and few books on applying behaviorism to everyday living that I've aware of. You can read Skinner (e.g. "Science and Human Behavior" or his 3-part autobiography) to understand the scientific foundation of his approach and to get a few ideas how you can manage yourself better, but I have found it difficult to work out just how to apply the lessons of behaviorism in daily life. Advancements have been made in applications to such areas as autism and to education, but these require highly trained behavior analysts.
What Daniels has done is work out and carefully explain a straight-forward way in which anyone can apply behaviorism. His advice seems entirely consistent with Skinner, including the avoidance of punishment. Key basics of behaviorism are made simple by Daniels, who has the clearest explanation of the key behaviorist term "contingency" that I've found.
If he didn't so carefully explain how he arrives at this advice, it might seem simplistic. Just compliment? But significantly more than that, for he identifies a number of rules that must hold to effectively positive reinforce others. And because it doesn't require too many rules, it seems quite manageable. I haven't tried it much yet, but I mean to start doing so soon. I hope to succeed because I'll have the scientific power of behaviorism, the laws of nature and the apparent wisdom of Daniels supporting me and keeping it simple.
Bringing out the best in others is a worthy endeavor.......2003-04-18
I don't see why anyone should settle for second best. I read anything and everything on how to be my best and bring out the best in others. I really like the author's perspective of confronting habits. So much of our activity is automatic, based on old coping mechanisms.
This author recognizes that we do have the power to help others be their best and that self-limiting habits need to be conquered. The reader is given a series of steps to take to overcome these habits. Try them!
Book Description
This latest installment in our On the Shoulders of Giants series presents the provocative essay by Galileo Galilei (1564-1642) in its entirety. Famed for its unapologetic support of Copernicus's theory and subsequent proof that the earth did indeed revolve around the sun (and not vice versa), Galileo's essay engendered great controversy when it was published, as well as heated opposition from the Church. The first work to outwardly challenge the established authority of religion, Dialogues Concerning Two New Sciences set the standard for all future scientists faced with the conflict of science and religion. In this text, readers will also find an illuminating biography of the father of modern physics, and an introduction by modern-day physics superstar Stephen Hawking. The first book in this series sold more than 75,000 copies.
Black-and-white illustrations.
Customer Reviews:
Good, but not copernican.......2006-10-23
This is an excellent book, but I don't think it's quite what the publisher thought it was. The previous reviewer is right in saying that this book does not support Copernicus' heliocentricism in any way. It is a discussion of motion, not astronomy. I would agree with the previous review in saying that the publishers probably meant to publish Dialogues Concerning Two Chief World Systems, which does in fact discuss heliocentricism and support Copernicus. How one manages to publish the wrong book I have no idea. Did no one read this before they published it? And how on earth did Stephen Hawking not notice either and write about the wrong book?
Well, it's a good book anyway, just not what they say it is. I recommend reading it if you want to understand the developments of science (esp. motion and mechanics), but if you want to learn about the Copernican Revolution and Galileo's conflict with the church, then the book you are looking for is Dialogues Concerning Two Chief World Systems. I would also recomment Galileo's Daughter as an amazing biography of Galileo based around a correspondence between him and his daughter.
Overall grade: A for the book, F for the publisher's description.
This is the wrong book!.......2005-06-02
The publishers and Stephen Hawking evidently think they are reprinting Galileo's famous book supporting the Copernican viewpoint, "Dialogue Concerning the Two Chief World Systems". Instead, they've given us "Dialogues Concerning Two New Sciences", a magnificent book (I use it as a text in my Galileo and Einstein course, see my website) BUT this book has nothing to say about planets or Copernicus -- the furthest object from earth in this book is a cannonball in flight! It's a five star book, but not if you want to find out what Galileo thought of Copernicus...
I wish Galileo had put some interesting drawing..........2003-11-04
instead of dialogue only. I have not read entire book, but the preview of the book was boring. I like the picture description better than word description. I realized Galileo could not draw his theories directly, instead he let us imagine it by reading his words, because the church would have given him ultimate punishment if he did.
Fantastic Journey of Science.......2000-03-25
Galileo's masterpiece comes through to all who are blessed enough to read it. Copernicus would be proud.
Customer Reviews:
difficult but rewarding insight into one of the greatest minds in physics.......2007-04-22
Dialogues Concerning Two New Sciences contains information, in the form of a dialog, about the results of Galileo's experiments in materials science and the physics of motion. There are a a few great thought experiments within like the poof that two objects of different masses fall at the same velocity for example. I found the book hard going at times as Galileo relies mostly on written explanations of the concepts rather than mathematical equations. Galileo makes frequent use of geometry to prove his points so some knowledge of geometry is desirable as a prerequisite for reading this book. Although the book was written a long time ago I learned some things from it, including why small particles of sand will suspend in water. This is because when objects are small the ratio of surface area to volume is greater and particles of water "catch" on the indentations of the surface of the grain of sand thus retarding it's progress deeper into the water. This is a great book and still worth reading.
Product Description
Galileo Galilei. DIALOGUES CONCERNING TWO NEW SCIENCES. Easton Press Classics of Science Series. Bound in Leather. Gilt page edges. Silk bookmark.
Product Description
LEATHER BOUND book accented in 22kt gold!
Product Description
Brand new! LEATHER BOUND book accented in 22kt gold!
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Elementary Equilibrium Chemistry of Carbon
Grant Urry
Manufacturer: John Wiley & Sons
ProductGroup: Book
Binding: Hardcover
 Crystallography
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ASIN: 0471847402 |
Book Description
Charles Darwin transformed our understanding of the universe and our place in it with his development of the theory of evolution. 150 years later, we are still puzzling over the implications. John Dupre presents a lucid, witty introduction to evolution and what it means for our view of humanity, the natural world, and religion. He explains the right and the wrong ways to understand evolution: in the latter category fall most of the claims of evolutionary psychology, of which Dupre gives a withering critique. He shows why the theory of evolution is one of the most important scientific ideas of all time, but makes clear that it can't explain everything - contrary to widespread popular belief, it has very little to tell us about the details of human nature and human behaviour, such as language, culture, and sexuality. Darwin's Legacy clears a path through the confusion and controversy surrounding evolution; anyone who is interested in understanding what the theory of evolution can and can't do will find this a compelling and enjoyable introduction.
Customer Reviews:
A refreshing view at "evolutionary psychology".......2005-01-05
John Dupre is a notoriously non-orthodox philosopher of biology. In this latest book of his, he takes a stand against "evolutionary psychology", a fashionable doctrine that claims to explain contemporary human behavior based on pseudo-Darwinian arguments.
If the theory of evolution is now widely accepted, a number of issues remain unsolved: Is natural selection by itself sufficient for understanding evolution? Which parameters are optimized to achieve greater fitness? And what exactly is selected? Is it the single gene, as Richard Dawkins suggested in his influential book, The Selfish Gene? Is it the organism? The group? The species? Dupre believes that it is actually the entire developmental cycle. In other words, the unit of selection is "the ability to gather together and deploy the full set of resources necessary for producing the next generation". This theory is called developmental systems theory (DST), and it reconciles evolution (at the scale of the species) with development (at the individual scale).
Dupre then brings us one step farther: In the case of humans at least, evolution is not only genetic but also cultural. There is an evolutionary continuity of humans and other animals, but language (that Dupre calls "the most significant distinctively human feature") gives us the ability to develop complex thought and elaborate cultures. Our genome is probably Stone Age-old, but our cultural environment has considerably changed over the history of mankind and has an impact on contemporary humans that is hard to ignore. Without claiming, like Steven Pinker for example, that biology is entirely non-relevant and that only culture shapes an individual's mind (in the so-called "blank state" theory), Dupre believes that the cultural context tells us at least as much about human nature as does the genome. Evolutionary psychologists, on the other hand, choose to focus on humans' "structure" and to neglect their "context" (Dupre uses the words structure/context to avoid the controversial nature/nurture terms, which may or may not be a good thing).
The confounding fact, as very nicely demonstrated in Chapter 6, is the lack of evidence for evolutionary psychology. "The evolutionary psychologist is typically advancing a thesis about human nature at the same time as offering an explanation of the trait hypothesized" (page 89). Moreover, the analogies from humans to other animals are often arbitrary, not based on any verifiable evolutionary process, while conveniently overlooking counterexamples that would be no less relevant. The link to genetics is even weaker, if not completely speculative: Genetics should only be used to explain phenomena that are largely insensitive to environmental contingencies. Its misuse is prone to harmful misconceptions about our species.
Dupre reminds us that evolutionary psychology rose from the ash of sociobiology, decidedly inappropriate since E. O. Wilson's disreputable book (Sociobiology: The New Synthesis, 1975) and the ensuing accusations of racism, sexism and generally bad science. The same pitfalls await evolutionary psychologists when they claim that all men have a "natural" disposition to rape, for instance. I believe that the same goes with the "Men are from Mars, women are from Venus" frenzy. An important conclusion is that we are, so to speak, more "free" than evolutionary psychologists would like us to believe: "Biological explanations of social facts are frequently interpreted as having conservative implications. If it's part of our biology, the thought goes, we might as well just learn to live with it. No such implication is necessary, however" (page 115).
Overall, Darwin's Legacy is a great reading for anyone interested in mankind, or simply curious about the (lack of) scientific grounds for evolutionary psychology. I would give the book five stars if not for the following weak points: Dupre tends to repeat himself or to restate his previous books. He is probably right to be so skeptical towards reductionism, but his case was already made in his first book (The Disorder of Things: Metaphysical Foundations of the Disunity of Science). I was also unhappy with Chapter 4, a curious incursion into the debate of science (specifically, the theory of evolution) and religion. Although I find myself to agree with Dupre's "anti-supernaturalistic" (!) perspective, I was disappointed at his oversimplistic account of that famously complex issue. Even more disturbing is the fact that Dupre does not mention any other religion than Christianity, which makes his arguments even weaker. Let's hope he elaborates on evolution and religion(s) in a future publication.
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Defects and Disorder in Crystalline and Amorphous Solids (NATO Science Series C: Mathematical and Physical Sciences, Volume 418)
Manufacturer: Kluwer Academic
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Binding: Hardcover
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Mechanical Properties of Solids
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ASIN: 0792326105 |
Book Description
The study of disorder in solids is one of the key areas in contemporary solid state science. In crystalline solids there are well-developed models for describing the way in which defects control the atomic transport, thermodynamic and spectroscopic properties. In contrast, the conceptual and theoretical framework for describing these properties in amorphous solids is less well developed, partly due to the uncertainties in the structural models used to represent the disordered systems. Moreover, disordered solids include materials of great contemporary technological importance, for example, ceramic superconductors and amorphous semiconductors. The field has developed rapidly in the last few years, driven both by technological needs for improved materials and by the fundamental scientific problems posed by disorder in solids. Progress has been especially rapid in structural studies, using diffraction, EXAFS, NMR and microscopy techniques, in investigation of atomic and charge transport and in the application of theoretical and computational methods. The book provides a unified approach to disorder in solids. The earlier chapters present a survey of the theoretical and structural concepts used in describing defective and amorphous solids and the basic properties of these materials. The next chapters are devoted to a thorough survey of techniques and properties, including structural studies, transport, thermodynamic and spectroscopic properties and theoretical and computational techniques. The final chapters review materials and applications, including fast-ion conductors, sensors, amorphous semiconductors and novel glasses. It therefore presents a unique survey of an important field in contemporary solid state science.
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The Curse of Gutenberg: Storytelling With Dan Daniels
Dan Daniels
Manufacturer: Broken Jaw Press
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Binding: Paperback
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ASIN: 1896647235 |
Books:
- How to Prepare for the Certified Public Accountant Exam (Barron's How to Prepare for the Certified Public Accountant Examination Cpa)
- Initial Public Offerings: Findings and Theories (Innovations in Financial Markets and Institutions)
- Intellectual Property Assets in Mergers and Acquisitions
- Intermediate Accounting: Analyzing and Solving Intermediate Accounting Problems Using Excel for Windows
- Intermediate Accounting, Chapters 15-24, Excel Working Papers
- Intermediate Accounting, Volume 2, Chapters 13-22
- Introduccion a la Contabilidad Administrativa
- Japan's Financial Crisis: Institutional Rigidity and Reluctant Change (Princeton Paperbacks)
- Legal Accounting: Principles and Applications (American Casebook Series)
- Living Cheaply With Style: Live Better and Spend Less
Books Index
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